​

Conto Pay

Conto Pay is a hosted payment workspace for teams that want to use Conto without operating their own agent runtime. It brings payment preparation, policy checks, approvals, execution, and receipts into one dashboard experience.

​

What You Can Do

With Conto Pay, an authorized operator can:

• manage a hosted payment profile and share its public link
• save approved recipients and resolve other Conto Pay profiles by handle
• prepare payments with an amount, recipient, memo, and optional invoice reference
• apply the organization’s spending policies and approval requirements
• review pending requests before funds move
• track payment status and open a receipt after execution
• create payment or request links for a specific counterparty
• review activity totals and conversion rates for reconciliation
• review production readiness and request live-payment access when eligible
• review trust reports concerning the organization’s hosted profiles
• use the dashboard assistant to navigate common payment tasks

​

Hosted Profile

Each workspace has a public profile with a stable Conto Pay handle. The profile helps a counterparty confirm who they are paying and provides Pay and Request actions. You can share the profile URL or its handle without sharing dashboard credentials. The public Profile API provides the identity and payment information needed to present the profile and start a payment safely. Treat that response as public information; keep organization settings, credentials, policy configuration, and operator activity in the authenticated dashboard. Before paying a saved profile, confirm that its current name, handle, and destination match the details you expect. If Conto reports that a saved profile changed, review the latest profile before continuing.

​

Manage Conto Pay

Open Manage Conto Pay below the payment form when you need operational tools. It stays collapsed by default and groups the secondary controls into focused tabs:

• Activity shows recent payments and requests with their next action.
• People shows known contacts and lets you search the Conto Pay directory.
• Links creates and manages shareable pay or request links.
• Profile updates the public account name, description, aliases, and directory visibility.
• Controls summarizes the hosted wallet and links to shared wallet, policy, transaction, and alert pages.
• Insights shows recent usage, conversion, and trust reports.

For setup and production access, follow the readiness steps below and use the returned next action.

​

Payments To Any Wallet

Conto Pay can prepare a payment to an approved wallet address. When the recipient also uses Conto Pay, you can resolve the workspace by its handle or profile and save it as a recipient. Both paths use the same policy and approval controls.

​

Payment Flow

​

Payment And Request Links

A payment link can prefill a profile, amount, memo, or invoice reference. A request link gives the payer the same details in a reviewable form. Opening either link does not authorize or execute a payment; the payer must still review the request and complete the required controls. When sharing a link:

• send it only to the intended counterparty
• ask the recipient to verify the profile and amount
• set an expiry when the request is time-sensitive
• cancel the link if its details are no longer valid

​

Requests And Receipts

Payment requests have a hosted review page where the payer can inspect the details and decide what to do. Completed payments have a status page and receipt. The Conto Pay activity view keeps these records together so operators can reconcile requests and outcomes without relying on chat history.

​

Activity Analytics

Authenticated organization members can use GET /api/conto-pay/analytics to review Conto Pay activity totals, conversion rates, and stage counts. Set period to 24h, 7d, 30d, or 90d; add format=csv to download the same customer-facing data for reconciliation. The response includes the selected period, activity totals, conversion rates, and stage counts. These fields can be displayed in an operations view or exported for reconciliation.

​

Moving From Test To Live Payments

GET /api/conto-pay/readiness returns the current workspace’s setup, readiness, payment mode, profile, wallet network, controls, and test-flow counts. Use the stable canRequestProductionAccess, canPresentLivePayments, blockers, and next-action fields to decide whether to keep testing, finish setup, or request production access. When canRequestProductionAccess is true, an authenticated organization member can call POST /api/conto-pay/production-access. The response includes the request reference, status, timestamps, and next action. Continue using test payments until payment availability explicitly reports Live payments. Existing integrations can continue calling GET /api/conto-pay/launch-evidence and POST /api/conto-pay/live-review. Those compatibility routes return the same customer readiness and production-access fields and identify their successor endpoint in the response headers. New integrations should use /readiness and /production-access.

​

Trust Report Review

Operators with alert access can review trust reports concerning their organization’s Conto Pay profiles. GET /api/conto-pay/reports?limit=8 returns up to 25 reports with stable status, severity, reason, profile, checkout reference, timestamps, outcome, and customer-facing next-step fields. Operators with alert-management permission can update a report through PATCH /api/conto-pay/reports/{reportId} using a status of reviewing, resolved, or closed. The optional hide_profile_from_directory action removes the reported profile from broad directory search while leaving an auditable outcome on the report. Organization responses include the report reference, customer-readable status, reason, details, timestamps, outcome, and next step.

​

Using The Dashboard Assistant

The assistant can help you find payment information and move through supported dashboard tasks. Financial actions still require the same permissions, policy checks, and confirmations as actions started elsewhere in the dashboard. Use direct, specific prompts such as:

• “Show the current balance for this Conto Pay workspace.”
• “Find the profile for @vendor-org.”
• “Prepare a $25 sandbox payment to the saved Vendor AP recipient for invoice 1042.”
• “Show the status of my most recent payment request.”

Always review the recipient, amount, network, and resulting status before treating a payment as complete.

​

Conto Pay, AI Assistant, And MCP

​

Safety Checklist

Before authorizing a payment:

1. Confirm that you are in the correct organization and environment.
2. Verify the recipient’s handle or wallet address.
3. Confirm the amount, asset, network, memo, and invoice reference.
4. Review the policy result and any required approval.
5. After execution, verify the resulting status and receipt.